Indian Overseas Bank • ANDAMAN, Andaman and Nicobar Islands

GARACHARMA IFSC Code

Find the IFSC code (IOBA0003194), branch address, contact details, and banking information for Indian Overseas Bank GARACHARMA branch in ANDAMAN, Andaman and Nicobar Islands.

Official 11-Digit IFSC Code IOBA0003194
IFSC format valid • Source: RBI Public Register
Last verified: 24 Sep 2026
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Branch Details

Bank Name Indian Overseas Bank
Branch Name GARACHARMA
IFSC Code IOBA0003194
MICR Code Not available
City / Town ANDAMAN
District GARACHARAMA
State Andaman and Nicobar Islands
Postal PIN Code Not available
Branch Address
G R HOUSING SOCIETY P.O,GARACHARMA,SOUTH ANDAMAN ST
Phone / Contact
Branch Direct: +914428584896
Verified Bank Helplines

Banking Status & State Holidays

Regular Working Day Last checked: 24 Sep 2026
Typical banking hours: 10:00 AM – 4:00 PM (subject to branch-specific schedules and local changes) in Andaman and Nicobar Islands. Regular banking hours are typically 10:00 AM – 4:00 PM, subject to branch-specific schedules and administrative changes. Digital payment systems (NEFT, RTGS, IMPS, UPI) are generally operational round-the-clock per RBI/NPCI guidelines, subject to individual bank processing, system maintenance, and account limits.
Upcoming Bank Holidays in Andaman and Nicobar Islands

Commercial banks observe weekly holidays on Sundays, 2nd & 4th Saturdays, and state-notified Negotiable Instruments Act holidays:

Date Day Holiday / Observance Type
26 Sep 2026 Saturday Fourth Saturday Bank Holiday RBI Banking Holiday
02 Oct 2026 Friday Mahatma Gandhi Jayanti National Holiday
10 Oct 2026 Saturday Second Saturday Bank Holiday RBI Banking Holiday
24 Oct 2026 Saturday Fourth Saturday Bank Holiday RBI Banking Holiday
14 Nov 2026 Saturday Second Saturday Bank Holiday RBI Banking Holiday

IFSC Code Structure

The 11-character Indian Financial System Code (IFSC) is structured into three standardized components:

IOBA Bank Code (Indian Overseas Bank)
0 Control Zero (Reserved)
003194 Branch Identifier

Nearby Indian Overseas Bank Branches in GARACHARAMA

View All State Branches →

Other Indian Overseas Bank branches located in and around GARACHARAMA:

Branch Name IFSC Code MICR City Action
PORT BLAIR IOBA0001265 744020001 ANDAMAN View →

Other Banks Operating in ANDAMAN

8 Banks

Explore branches and IFSC routing codes for other banks located in ANDAMAN, Andaman and Nicobar Islands:

State Bank of India 18 branches
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Canara Bank 12 branches
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HDFC Bank 3 branches
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ICICI Bank 3 branches
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Axis Bank 3 branches
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Punjab National Bank 2 branches
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Central Bank of India 1 branches
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IDBI 1 branches
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Branch Summary
  • Bank Code IOBA
  • Branch Code 003194
  • Clearing System NEFT / RTGS / IMPS
  • City ANDAMAN
  • State Andaman and Nicobar Islands
About Indian Overseas Bank

One of India’s registered financial institutions authorized by the Reserve Bank of India to provide banking and electronic payment services.

View Indian Overseas Bank Profile & Branches (4,731)
State Directory

Explore all registered bank branches and IFSC codes in Andaman and Nicobar Islands.

Browse Andaman and Nicobar Islands Branches

Fund Transfer Options & Guidelines

Electronic transfers to Indian Overseas Bank are supported across national payment clearing networks:

UPI Charges Guide →
IMPS
Immediate Payment

Instant 24x7 interbank electronic fund transfer managed by NPCI.

Speed: Instant (Real-Time)
Limit: ₹1 – ₹5,00,000 / day
Charges: ₹2.50 – ₹15 + GST
Timing: 24x7 x 365
NEFT
National Transfer

Nationwide batch transfer system operated directly by the RBI.

Speed: Every 30 Minutes
Limit: No Min / Max Limit
Charges: 100% FREE Online
Timing: 24x7 x 365
RTGS
Gross Settlement

High-value gross settlement processed continuously by the RBI.

Speed: Instant Real-Time
Limit: Min ₹2 Lakh (No Max)
Charges: 100% FREE Online
Timing: 24x7 x 365
UPI / QR
Unified Payments

Instant mobile payments via VPA, phone number, or QR code.

Speed: Instant Real-Time
Limit: Up to ₹1,00,000 / txn
Charges: FREE for Individuals
Timing: 24x7 x 365
RBI Regulatory Guidance: Per Reserve Bank of India (RBI) notifications, banks do not levy any transaction fees on online NEFT and RTGS fund transfers initiated via internet banking or mobile apps for retail savings accounts. All electronic clearing systems operate 24x7 throughout the year.

How to Transfer Funds Using IFSC IOBA0003194

1
Add Beneficiary

Login to your bank portal or app. Go to Fund Transfer → Add Beneficiary. Enter Account Name, Number, and IFSC: IOBA0003194.

2
Cooling Period

Banks enforce a security cooling period (30 mins to 4 hours) for new beneficiaries before large transfers can be initiated.

3
Select Transfer Mode

Choose IMPS for instant transfers up to ₹5 Lakh, NEFT for standard transfers, or RTGS for amounts of ₹2 Lakh and above.

4
Authorize & Save UTR

Confirm the transfer using OTP or MPIN. Always save the generated Unique Transaction Reference (UTR / RRN) number for future tracking.

What Happens If You Enter an Incorrect IFSC Code?
  • If the IFSC does not exist: The payment gateway will reject the transaction immediately before any amount is deducted from your account.
  • If the IFSC belongs to another branch of Indian Overseas Bank: As long as the beneficiary account number is unique and valid within the core banking system, the transfer usually succeeds.
  • If both the IFSC and account number belong to an unintended valid person: The funds will be credited to that account. In such a scenario, contact your home branch immediately with the transaction UTR number to initiate a retrieval process.

Frequently Asked Questions: GARACHARMA Branch

The IFSC code for Indian Overseas Bank GARACHARMA is IOBA0003194. It is an 11-digit alphanumeric code assigned by the Reserve Bank of India to route electronic fund transfers to this branch location in ANDAMAN.
The MICR code for this branch is currently not available or assigned on demand.
Standard banking hours are typically 10:00 AM to 4:00 PM IST on regular business days. Branches are closed on Sundays, the 2nd and 4th Saturdays of every month, and state-declared public holidays under the Negotiable Instruments Act.
No. IFSC codes are strictly for domestic transactions within India (NEFT, RTGS, IMPS). For inward foreign remittances from abroad, you require Indian Overseas Bank's international SWIFT / BIC Code and the corresponding NOSTRO clearing routing details.
Consumers and individuals pay ₹0 (100% free) on all UPI transactions. Under NPCI rules, a 0.4% Merchant Discount Rate (MDR) applies strictly to commercial merchants for P2M transactions above ₹2,000 (capped at ₹300), while small merchants earning up to ₹1 Lakh/month and all P2P transfers are completely exempt.
On a standard CTS-2010 cheque, the IFSC code is printed at the top-center or top-left corner adjacent to the bank logo and branch address. On a passbook, it is displayed on the first account profile page along with your Customer ID and Account Number.
Data Source & Editorial Disclosure

Branch records, IFSC codes, and address information are sourced from public master directories published by the Reserve Bank of India (RBI.org.in) . Read our Data Methodology →

Legal Non-Affiliation Disclaimer: This website is an independent informational directory. We are not affiliated with, endorsed by, or sponsored by the Reserve Bank of India (RBI) or Indian Overseas Bank. Always verify beneficiary details before authorizing electronic fund transfers.

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